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16  <title>About CardCompass — Our Mission &amp; How We Work</title>
17  <meta name="description" content="CardCompass is a free, independent credit card comparison tool that helps you find the best card for your spending in under 60 seconds. Learn about our mission and methodology.">
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36  <style>
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43
44    /* Content */
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87  </style>
88</head>
89<body>
90
91<nav class="navbar">
92  <div class="nav-inner">
93    <a href="/" class="logo">
94      <div class="logo-icon"><img src="images/logo-icon.svg" alt="CardCompass compass logo" width="40" height="40"></div>
95      <span class="logo-text">Card<span>Compass</span></span>
96    </a>
97    <div class="nav-links" id="nav-links">
98      <div class="nav-item">
99        <button class="nav-link" aria-expanded="false" aria-haspopup="true">Credit Cards <i class="fas fa-chevron-down"></i></button>
100        <div class="dropdown">
101          <a href="/all-cards" style="font-weight:700"><i class="fas fa-th-list"></i> All Credit Cards</a>
102          <div style="height:1px;background:#E2E8F0;margin:6px 0;"></div>
103          <a href="/bonus-offers"><i class="fas fa-gift"></i> Current Bonus Offers</a>
104          <a href="/cards?cat=cashback"><i class="fas fa-star"></i> Best Cash Back Cards</a>
105          <a href="/cards?cat=travel"><i class="fas fa-plane"></i> Best Travel Cards</a>
106          <a href="/cards?cat=hotel"><i class="fas fa-hotel"></i> Best Hotel Cards</a>
107          <a href="/cards?cat=airline"><i class="fas fa-plane-departure"></i> Best Airline Cards</a>
108          <a href="/cards?cat=gas"><i class="fas fa-gas-pump"></i> Best Gas Cards</a>
109          <a href="/cards?cat=dining"><i class="fas fa-utensils"></i> Best Dining Cards</a>
110          <a href="/cards?cat=nofee"><i class="fas fa-shield-alt"></i> No Annual Fee Cards</a>
111          <a href="/cards?cat=balancetransfer"><i class="fas fa-sync-alt"></i> Balance Transfer Cards</a>
112          <a href="/cards?cat=business"><i class="fas fa-briefcase"></i> Best Business Cards</a>
113          <a href="/cards?cat=student"><i class="fas fa-graduation-cap"></i> Student Cards</a>
114          <a href="/cards?cat=secured"><i class="fas fa-lock"></i> Build Credit / Secured</a>
115        </div>
116      </div>
117      <div class="nav-item">
118        <button class="nav-link" aria-expanded="false" aria-haspopup="true">Rewards <i class="fas fa-chevron-down"></i></button>
119        <div class="dropdown">
120          <a href="/rewards-calculator"><i class="fas fa-calculator"></i> Points Calculator</a>
121          <a href="/rewards-partners"><i class="fas fa-exchange-alt"></i> Transfer Partners</a>
122          <a href="/rewards-maximize"><i class="fas fa-chart-line"></i> Maximize Your Points</a>
123          <a href="/rewards-award-travel"><i class="fas fa-suitcase"></i> Award Travel Guide</a>
124          <a href="/rewards-optimizer"><i class="fas fa-dollar-sign"></i> Cash Back Optimizer</a>
125          <a href="/balance-transfer-calculator"><i class="fas fa-sync-alt"></i> Balance Transfer Calc</a>
126        </div>
127      </div>
128      <div class="nav-item">
129        <button class="nav-link" aria-expanded="false" aria-haspopup="true">Airlines <i class="fas fa-chevron-down"></i></button>
130        <div class="dropdown">
131          <a href="/airlines" style="font-weight:700"><i class="fas fa-plane"></i> All Airlines</a>
132          <div style="height:1px;background:#E2E8F0;margin:6px 0;"></div>
133                    <a href="/airline-transfer-matrix"><i class="fas fa-table"></i> Transfer Partner Matrix</a>
134          <a href="/airline-search-programs"><i class="fas fa-search"></i> Search All 23 Programs</a>
135          <div style="height:1px;background:#E2E8F0;margin:6px 0;"></div>
136          <a href="/airlines/united"><i class="fas fa-plane-departure"></i> United MileagePlus</a>
137          <a href="/airlines/delta"><i class="fas fa-plane-departure"></i> Delta SkyMiles</a>
138          <a href="/airlines/american"><i class="fas fa-plane-departure"></i> American AAdvantage</a>
139          <a href="/airlines/southwest"><i class="fas fa-plane-departure"></i> Southwest Rapid Rewards</a>
140          <a href="/airlines/alaska"><i class="fas fa-plane-departure"></i> Alaska Mileage Plan</a>
141          <a href="/airlines/jetblue"><i class="fas fa-plane-departure"></i> JetBlue TrueBlue</a>
142          <a href="/airlines/hawaiian"><i class="fas fa-plane-departure"></i> Hawaiian Miles</a>
143        </div>
144      </div>
145      <a href="/quiz" class="nav-link">Card Quiz</a>
146      <a href="/compare" class="nav-link">Compare Cards</a>
147      <a href="/my-current-wallet" class="nav-link">My Current Wallet</a>
148      <a href="/guides" class="nav-link">Guides</a>
149    </div>
150    <div class="nav-actions">
151      <a href="/login" class="btn-outline">Log In</a>
152      <a href="/get-started" class="btn-primary">Get Started Free</a>
153    </div>
154    <button class="hamburger" id="hamburger" aria-label="Toggle menu">
155      <span></span><span></span><span></span>
156    </button>
157  </div>
158</nav>
159
160<div class="page-hero">
161  <div class="page-hero-inner">
162    <div class="page-label">About Us</div>
163    <h1>We help you find the right card — not the most profitable one.</h1>
164    <p>CardCompass is a free, independent tool built to cut through the noise and match you with the credit card that actually fits how you spend.</p>
165  </div>
166</div>
167
168<div class="page-content">
169
170  <h2>Our Mission</h2>
171  <p>The credit card market is one of the most heavily marketed in personal finance — and one of the most confusing. Banks spend billions promoting products that earn them the most, not necessarily the cards that earn <em>you</em> the most.</p>
172  <p>CardCompass exists to fix that. We built a free comparison and recommendation engine so that anyone — regardless of financial background or expertise — can find the card that maximizes their rewards in under 60 seconds.</p>
173
174  <div class="values-grid">
175    <div class="value-card">
176      <div class="value-icon"><i class="fas fa-shield-alt"></i></div>
177      <h3>Editorial Independence</h3>
178      <p>Our rankings and scores are determined by our methodology, never by who pays us more.</p>
179    </div>
180    <div class="value-card">
181      <div class="value-icon"><i class="fas fa-lock-open"></i></div>
182      <h3>Always Free</h3>
183      <p>CardCompass is free for consumers. We earn through affiliate commissions when cards are approved — never from you.</p>
184    </div>
185    <div class="value-card">
186      <div class="value-icon"><i class="fas fa-chart-bar"></i></div>
187      <h3>Data-Driven</h3>
188      <p>Every card score is calculated from real earning rates, fee math, and bonus valuations — not opinions.</p>
189    </div>
190  </div>
191
192  <h2>How CardCompass Works</h2>
193  <p>We combine a card database, a scoring engine, and a card quiz to give you a personalized recommendation — no account required.</p>
194
195  <div class="steps">
196    <div class="step">
197      <div class="step-num">1</div>
198      <div class="step-body">
199        <h3>Tell us how you spend</h3>
200        <p>Our quiz asks about your top spending categories — dining, travel, groceries, gas, and more — so we can weight earnings to your actual habits.</p>
201      </div>
202    </div>
203    <div class="step">
204      <div class="step-num">2</div>
205      <div class="step-body">
206        <h3>We run the math</h3>
207        <p>We calculate projected annual earnings from every card in our database based on your spending profile, factoring in annual fees and bonus values.</p>
208      </div>
209    </div>
210    <div class="step">
211      <div class="step-num">3</div>
212      <div class="step-body">
213        <h3>You get ranked recommendations</h3>
214        <p>Your top matches are ranked by net annual value — what you'd actually pocket after fees, using your real spending numbers.</p>
215      </div>
216    </div>
217    <div class="step">
218      <div class="step-num">4</div>
219      <div class="step-body">
220        <h3>Compare and decide</h3>
221        <p>Use our side-by-side comparison tool to dig into any cards you're considering — APR, perks, pros and cons — before you apply.</p>
222      </div>
223    </div>
224  </div>
225
226  <h2 id=”methodology”>How We Rate Credit Cards</h2>
227  <p>Every card in our database receives a <strong>CardCompass Score</strong> from 0–5, calculated from six weighted factors. Here is exactly how that score is built:</p>
228
229  <div style=”background:#F7F9FC;border:1px solid #E2E8F0;border-radius:12px;padding:28px;margin:24px 0;”>
230    <div style=”display:grid;grid-template-columns:1fr 1fr;gap:20px;”>
231      <div style=”background:#fff;border-radius:8px;border:1px solid #E2E8F0;padding:18px;”>
232        <div style=”font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:#1E7FD4;margin-bottom:6px;”>Factor 1 — 30% Weight</div>
233        <div style=”font-size:15px;font-weight:700;margin-bottom:6px;”>Rewards Value</div>
234        <p style=”font-size:13px;color:#4A5568;line-height:1.6;margin:0;”>Annual rewards earnings modeled against Bureau of Labor Statistics average U.S. household spending: $5,800 groceries, $3,500 dining, $2,200 gas, $3,000 travel. We calculate the dollar value of points, miles, or cash back earned per year.</p>
235      </div>
236      <div style=”background:#fff;border-radius:8px;border:1px solid #E2E8F0;padding:18px;”>
237        <div style=”font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:#1E7FD4;margin-bottom:6px;”>Factor 2 — 25% Weight</div>
238        <div style=”font-size:15px;font-weight:700;margin-bottom:6px;”>Welcome Bonus Value</div>
239        <p style=”font-size:13px;color:#4A5568;line-height:1.6;margin:0;”>Sign-up bonus amortized over 24 months. We value points at their most common redemption rate: Chase Ultimate Rewards at 1.5&cent;, Amex Membership Rewards at 1.4&cent;, Capital One miles at 1&cent;. Cash bonuses at face value.</p>
240      </div>
241      <div style=”background:#fff;border-radius:8px;border:1px solid #E2E8F0;padding:18px;”>
242        <div style=”font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:#1E7FD4;margin-bottom:6px;”>Factor 3 — 20% Weight</div>
243        <div style=”font-size:15px;font-weight:700;margin-bottom:6px;”>Net Annual Fee Value</div>
244        <p style=”font-size:13px;color:#4A5568;line-height:1.6;margin:0;”>Annual fee subtracted from estimated annual rewards earnings. Cards with statement credits (travel credits, dining credits, hotel nights) have those credits counted toward offsetting the fee — only at face value, never inflated.</p>
245      </div>
246      <div style=”background:#fff;border-radius:8px;border:1px solid #E2E8F0;padding:18px;”>
247        <div style=”font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:#1E7FD4;margin-bottom:6px;”>Factor 4 — 15% Weight</div>
248        <div style=”font-size:15px;font-weight:700;margin-bottom:6px;”>Redemption Flexibility</div>
249        <p style=”font-size:13px;color:#4A5568;line-height:1.6;margin:0;”>How easy and how valuable it is to redeem rewards. Cash back scores highest (1&cent; = 1&cent;, always). Flexible points with transfer partners score second. Locked airline/hotel currencies score lower due to award devaluations and blackout dates.</p>
250      </div>
251      <div style=”background:#fff;border-radius:8px;border:1px solid #E2E8F0;padding:18px;”>
252        <div style=”font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:#1E7FD4;margin-bottom:6px;”>Factor 5 — 5% Weight</div>
253        <div style=”font-size:15px;font-weight:700;margin-bottom:6px;”>Accessibility</div>
254        <p style=”font-size:13px;color:#4A5568;line-height:1.6;margin:0;”>Credit score requirements and approval likelihood. Cards with lower credit requirements score better in this factor. Premium cards requiring excellent credit (740+) score lower here — this is intentional to help users find cards they can actually get approved for.</p>
255      </div>
256      <div style=”background:#fff;border-radius:8px;border:1px solid #E2E8F0;padding:18px;”>
257        <div style=”font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:#1E7FD4;margin-bottom:6px;”>Factor 6 — 5% Weight</div>
258        <div style=”font-size:15px;font-weight:700;margin-bottom:6px;”>Foreign Transaction Fees</div>
259        <p style=”font-size:13px;color:#4A5568;line-height:1.6;margin:0;”>For travel-category cards, a 3% foreign transaction fee meaningfully reduces the card's net value for international use. Cards with 
259no FTF score full marks here; cards with an FTF are penalized proportionally.</p>
260      </div>
261    </div>
262  </div>
263
264  <h3 style=”font-size:17px;font-weight:700;margin:28px 0 10px;”>Data Sources</h3>
265  <p>All card data is sourced directly from issuer websites (Chase, Amex, Capital One, Citi, etc.) and cross-checked against NerdWallet and The Points Guy for verification. We do not use scrapers — every data point is manually verified by our team on a quarterly schedule (January, April, July, October) and updated immediately when we are notified of changes.</p>
266
267  <h3 style=”font-size:17px;font-weight:700;margin:28px 0 10px;”>Staleness Flags</h3>
268  <p>When a card's welcome bonus or annual fee has not been verified in more than 90 days, we display a “Verify offer” flag on the card. This signals that you should confirm the current terms with the issuer before applying. We prefer flagging uncertainty over silently showing potentially outdated numbers.</p>
269
270  <h3 style=”font-size:17px;font-weight:700;margin:28px 0 10px;”>What the Score Does Not Measure</h3>
271  <p>The CardCompass Score is a quantitative model, not a complete picture. It does not account for: customer service quality, mobile app ratings, specific household spending that differs substantially from the U.S. average, or how a card fits into an existing rewards ecosystem (e.g., pairing with another card). Use the score as a starting point, not a final verdict.</p>
272
273  <h2>Transparency About How We Earn</h2>
274  <p>CardCompass is free to use because we earn affiliate commissions when you click "Apply Now" and are approved for a card. This is standard practice in personal finance publishing and allows us to keep the tools free.</p>
275  <p>Compensation never influences our rankings or scores. Cards are ranked by their calculated value to you — not by how much they pay us. For full details, see our <a href="/advertiser-disclosure">Advertiser Disclosure</a>.</p>
276
277  <h2>Get in Touch</h2>
278  <p>Have a question, spotted an error, or want to work with us? We'd love to hear from you. Reach us at <a href="/cdn-cgi/l/email-protection#1271736076717d7f627361617e7e7152757f737b7e3c717d7f"><span class="__cf_email__" data-cfemail="5231332036313d3f223321213e3e3112353f333b3e7c313d3f">[email&#160;protected]</span></a> or visit our <a href="/contact">Contact page</a>.</p>
279
280  <div class="cta-block">
281    <h2>Ready to find your card?</h2>
282    <p>Free. No account required.</p>
283    <div class="cta-btns">
284      <a href="/quiz" class="btn-primary">Take the Card Quiz</a>
285      <a href="/compare" class="btn-outline-white">Compare Cards</a>
286    </div>
287  </div>
288
289</div>
290
291<footer>
292  <div class="footer-inner">
293    <span>© 2026 CardCompass, Inc. All rights reserved. <span class="footer-social" style="display:inline-flex;align-items:center;gap:14px;vertical-align:middle;margin-left:10px;"><a href="https://www.instagram.com/cardcompassapp/" target="_blank" rel="noopener" aria-label="CardCompass on Instagram" style="display:inline-flex;margin:0;"><svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" aria-hidden="true"><rect width="20" height="20" x="2" y="2" rx="5" ry="5"/><path d="M16 11.37A4 4 0 1 1 12.63 8 4 4 0 0 1 16 11.37z"/><line x1="17.5" x2="17.51" y1="6.5" y2="6.5"/></svg></a><a href="https://www.facebook.com/cardcompassapp" target="_blank" rel="noopener" aria-label="CardCompass on Facebook" style="display:inline-flex;margin:0;"><svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" aria-hidden="true"><path d="M18 2h-3a5 5 0 0 0-5 5v3H7v4h3v8h4v-8h3l1-4h-4V7a1 1 0 0 1 1-1h3z"/></svg></a></span></span>
294    <div>
295      <a href="/privacy-policy">Privacy Policy</a>
296      <a href="/terms">Terms of Service</a>
297      <a href="/advertiser-disclosure">Advertiser Disclosure</a>
298      <a href="/contact">Contact</a>
299    </div>
300  </div>
301</footer>
vendor: 110 bytes, lines 301-303
301
302
303<script data-cfasync="false" src="/cdn-cgi/scripts/5c5dd728/cloudflare-static/email-decode.min.js"></script>
303<script src="nav-search.js?v=2"></script>
vendor: 1 bytes, line 303
303
304<script>
305const hamburger = document.getElementById('hamburger');
306const navLinks  = document.getElementById('nav-links');
307if (hamburger && navLinks) {
308  hamburger.addEventListener('click', () => {
309    const open = hamburger.classList.toggle('open');
310    navLinks.classList.toggle('mobile-open', open);
311    hamburger.setAttribute('aria-expanded', open ? 'true' : 'false');
312  });
313  document.addEventListener('click', e => {
314    if (!hamburger.contains(e.target) && !navLinks.contains(e.target)) {
315      hamburger.classList.remove('open');
316      navLinks.classList.remove('mobile-open');
317    }
318  });
319}
320</script>
vendor: 1 bytes, line 320
320
321<script src="nav-auth.js?v=2"></script>
vendor: 1 bytes, line 321
321
322<script src="/newsletter-popup.js" defer></script>
vendor: 1 bytes, line 322
322
323<script type="module" src="https://static.cloudflareinsights.com/beacon.min.js/v31edd6df95cf4e85bb4c19e7a9bdbcba1788362987495" integrity="sha512-iIg7k2xntmwu6/uSb5tpc/hySgZc4eoL31yB29W6tJFo2akwjPWcEqnCEdJvGexCL0KEQwVYv5BlowfhVz26hg==" data-cf-beacon='{"version":"2024.11.0","token":"e79d8b0449fb411087aba9b1640e3938","r":1,"spa":2}' crossorigin="anonymous"></script>
vendor: 1 bytes, line 323
323
324<script>(function(){function c(){var b=a.contentDocument||(a.contentWindow&&a.contentWindow.document);if(b){var d=b.createElement('script');d.innerHTML="window.__CF$cv$params={r:'a4027cda3cdf36b2',t:'MTc5MDI2MDIzMw=='};var a=document.createElement('script');a.src='/cdn-cgi/challenge-platform/scripts/jsd/main.js';document.getElementsByTagName('head')[0].appendChild(a);";b.getElementsByTagName('head')[0].appendChild(d)}}if(document.body){var a=document.createElement('iframe');a.height=1;a.width=1;a.style.position='absolute';a.style.top=0;a.style.left=0;a.style.border='none';a.style.visibility='hidden';document.body.appendChild(a);if('loading'!==document.readyState)c();else if(window.addEventListener)document.addEventListener('DOMContentLoaded',c);else{var e=document.onreadystatechange||function(){};document.onreadystatechange=function(b){e(b);'loading'!==document.readyState&&(document.onreadystatechange=e,c())}}}})();</script>
324</body>
325</html>

Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.